(Amount in Rs. lakh)

For the year ended March 31

Items

Bardhaman

Bareilly Kshetriya

Bastar Kshetriya

Basti

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest Earned

2830

3391

1543

1988

473

522

2800

3376

a)

Interest/discount on advances/bills

534

668

502

700

163

172

423

518

b)

Income on Investments

1399

1832

1028

1273

5

10

2346

2805

c)

Interest on balances with

897

892

13

16

306

340

30

53

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

128

204

65

90

22

8

51

44

a)

Commission, exchange and brokerage

15

37

15

17

7

8

32

41

b)

Other miscellaneous income

113

168

50

73

16

3

18

3

Total (I+II)

2958

3596

1608

2078

495

530

2850

3420

Expenditure & Provisions

III.

Interest expended

2129

2672

836

1027

463

561

1668

1523

a)

Interest on deposits

2062

2590

756

886

441

538

1541

1380

b)

Interest on RBI/inter-bank borrowings

67

82

80

141

22

23

127

142

c)

Others

-

-

-

-

-

-

-

1

IV.

Operating expenses

655

666

521

547

385

406

594

614

a)

Payments to and provisions for employees

569

600

452

486

361

381

522

544

b)

Rent, taxes and lighting

14

16

13

15

6

6

9

11

c)

Printing and stationery

9

8

6

6

4

4

6

7

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

3

3

3

1

1

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

2

1

1

-

1

1

1

h)

Law charges

-

-

1

1

1

1

1

2

i)

Postage, telegrams, telephones, etc.

3

3

3

3

1

1

9

3

j)

Repairs and maintenance

1

1

5

7

1

1

2

2

k)

Insurance

34

6

9

10

8

12

14

6

l)

Other expenditure

21

25

28

15

3

2

26

35

V.

Provisions and contingencies

153

157

17

-

-

8

86

18

Total expenses*

2784

3338

1357

1574

848

967

2262

2136

VI.

Profit (loss)

21

100

233

504

-353

-446

502

1265

Total (III+IV+V+VI)

2958

3596

1608

2078

495

530

2850

3420

(Amount in Rs. lakh)

For the year ended March 31

Items

Begusarai Kshetriya

Bhagalpur Banka Kshetriya

Bhagirath

Bhandara

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I.

Interest Earned

367

485

473

613

3715

4307

532

814

a)

Interest/discount on advances/bills

51

66

143

184

531

666

304

384

b)

Income on Investments

127

416

327

425

3178

3636

72

99

c)

Interest on balances with

172

3

4

4

6

4

155

331

RBI and other inter-bank funds

d)

Others

17

-

-

-

-

-

-

-

II.

Other income

5

26

13

14

145

147

74

46

a)

Commission, exchange and brokerage

1

3

6

8

144

145

3

1

b)

Other miscellaneous income

3

23

6

6

1

1

71

45

Total (I+II)

372

510

486

627

3860

4454

606

860

Expenditure & Provisions

III.

Interest expended

230

289

397

512

1602

1806

475

593

a)

Interest on deposits

220

277

367

486

1474

1645

433

538

b)

Interest on RBI/inter-bank borrowings

10

12

30

26

128

161

42

56

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

110

99

136

139

734

802

247

266

a)

Payments to and provisions for employees

99

86

112

114

652

713

218

235

b)

Rent, taxes and lighting

3

3

6

8

18

21

7

8

c)

Printing and stationery

1

2

3

2

9

9

5

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

3

6

7

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

-

1

1

2

-

1

h)

Law charges

-

-

-

-

2

2

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

2

3

1

1

j)

Repairs and maintenance

-

1

-

-

2

3

-

-

k)

Insurance

2

2

5

4

14

16

-

-

l)

Other expenditure

2

2

6

6

28

26

13

14

V.

Provisions and contingencies

29

75

45

97

116

224

-

-

Total expenses*

340

388

533

651

2335

2608

721

860

VI.

Profit (loss)

3

47

-93

-121

1409

1622

-115

2

Total (III+IV+V+VI)

372

510

486

627

3860

4454

606

862

(Amount in Rs. lakh)

For the year ended March 31

Items

Bhilwara-Ajmer Kshetriya

Bhojpur Rohtas

Bijapur

Bikaner Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I.

Interest Earned

1173

1510

3975

4572

2469

3284

286

378

a)

Interest/discount on advances/bills

627

744

727

877

1319

1926

171

210

b)

Income on Investments

244

218

1862

2366

378

516

114

166

c)

Interest on balances with

302

549

1385

1329

772

841

1

1

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

51

68

288

529

112

151

28

29

a)

Commission, exchange and brokerage

28

35

5

9

16

20

15

14

b)

Other miscellaneous income

22

33

283

521

96

131

12

15

Total (I+II)

1224

1579

4263

5101

2581

3435

313

406

Expenditure & Provisions

III.

Interest expended

793

986

2702

3397

1506

1827

238

281

a)

Interest on deposits

685

850

2559

3227

1116

1458

184

217

b)

Interest on RBI/inter-bank borrowings

108

136

143

170

-

67

1

1

c)

Others

-

-

-

-

390

301

54

62

IV.

Operating expenses

262

284

1152

1273

574

638

110

117

a)

Payments to and provisions for employees

219

234

1063

1165

499

543

92

98

b)

Rent, taxes and lighting

11

11

16

16

8

10

3

3

c)

Printing and stationery

4

5

8

11

9

9

2

1

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

4

4

6

8

11

12

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

2

1

3

-

-

h)

Law charges

-

1

2

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

4

5

5

10

6

8

1

1

j)

Repairs and maintenance

3

4

2

3

1

1

-

-

k)

Insurance

5

6

20

23

1

-

2

2

l)

Other expenditure

11

12

28

35

39

51

9

8

V.

Provisions and contingencies

32

37

-

-

45

68

2

5

Total expenses*

1055

1271

3854

4670

2080

2464

348

398

VI.

Profit (loss)

137

271

408

431

456

902

-37

4

Total (III+IV+V+VI)

1224

1579

4263

5101

2581

3435

313

406

(Amount in Rs. lakh)

For the year ended March 31

Items

Bilaspur Raipur Kshetriya

Bolangir Anchalik

Buldhana

Bundelkhand Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

Income

I.

Interest Earned

2027

2396

1253

1353

437

544

1665

1900

a)

Interest/discount on advances/bills

599

657

543

567

302

401

309